Every company must pay various costs linked to insurance. Here is an example of a service company with three employees.
This example shows the annual costs which a service company with three employees can be expected to pay [wage bill: CHF 245,000 (CHF 115,000/CHF 75,000/CHF 55,000)]. A margin of around 20% should be calculated for property and civil liability insurance premiums.
|
Employer |
Employee |
Total expenditure |
|---|---|---|---|
OASI/DI/APG * |
13'245 |
12'985 |
26'230 |
Unemployment Insurance (AC) |
2,695 |
2,695 |
5,390 |
Family compensation fund (child benefit) |
2,940 |
|
2,940 |
Compulsory accident insurance |
198 |
2'862 |
3'060 |
Supplementary accident insurance (AI) |
676 |
|
676 |
Daily allowance insurance (collective) |
1,225 |
1,225 |
2,450 |
Pension fund (OP) |
12'112 |
12'112 |
24'225 |
Property insurance |
350 |
|
350 |
Business interruption insurance |
180
|
|
180 |
Civil liability insurance |
300 |
|
300 |
Total for all insurance types |
33'922 |
31'879 |
65'801 |
* The employer's OASI/DI/APG contributions include administrative costs amounting to CHF 259.75
Amounts are in CHF
Source: Weibel Hess & Partner AG (2020)
Last modification 26.04.2021
